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What To Claim on W-9??

Last year I claimed 3. 1 for being single, 1 for head of household, and 1 for my son. I ended up getting back $4000. Now this year I am pregnant and half the year I have claimed 3. I just changed my withholding to 4 because I figure I have another child to claim the end of the year. Do you think I will still get a decent refund back? I'm hoping I will still get around $4000 back.

I don't want to struggle every week of the year just to get a big refund nor do I want to claim enough to break even at this point. I would like to claim the right amount to be financially OK all year and still get around $4000 back. It would be nice to figure out what I could claim to break even then put the money the government would have taken and put it in a savings account so it would be me making money off my money rather then the government. Thats my next goal.

I agree with rkoloms' posting - why are you letting the government have YOUR $4k? Just think of the debt you could pay down during that time frame, or could invest for interest. The goal is to break even - don't get a big refund or owe a bunch at tax time.